Composable Accounts
Offer end users a regulated Swiss IBAN, multi-currency balances, and SEPA/SWIFT access through one API, all under your own brand. We handle the banking license.
Resources
Category
- Fintechs
Use Cases
- B2B Payments
- Payment Settlement
- Payouts and Payroll
- Treasury Management
- US Dollar Access
Blockchains Supported
- Arbitrum
- Base
- Ethereum
On/Off-Ramps
- Yes
Platform
- Android
- iOS
- Web
Region
- APAC
- Europe
- LATAM
- Middle East and Africa
Country
- Hong Kong
- Singapore
- Switzerland
Support
UR Technology Pte. Ltd.
The account layer for the open economy. Embed regulated Swiss accounts, cards, FX, and global payments into your platform through one API. Ship in weeks instead of years.
UR is the account layer for the open economy, enabling wallet providers, developers, and financial platforms to embed regulated accounts into their own products.
Integrate once and give your end users a Swiss IBAN, balances in seven currencies, SEPA and SWIFT transfers, Mastercard debit cards, global payouts, and built-in compliance - all under your own brand. No card scheme membership and no separate compliance stack required.
UR is a registered trademark of SR Saphirstein AG, licensed as a fintech company under Article 1b of the Swiss Banking Act and supervised by FINMA, the Swiss Financial Market Supervisory Authority. UR is also a Mastercard principal member that issues cards directly and runs programmable onchain identity and accounts (URID).
Use Cases
Card Issuing
Issue Mastercard cards directly to your users and let them spend at 150M+ merchant locations worldwide.
Corporate Accounts
UR offers multi-currency corporate accounts with Switzerland IBANs, FX, and global payment capabilities for your business.
Cross-Border Payouts
Pay out to recipients in local currency across borders, with corridor coverage that grows as you scale.
Onchain Identity
UR Identity (URID) gives each account a programmable onchain identity for compliant money movement - particularly useful for stablecoin and agent-driven flows.
Compliance & KYC
Partner-configurable KYC, KYB, and EDD flows enable your platform to onboard users and businesses without building your own compliance stack.
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